Entrance Exams
Govt. Exams
Basel III replaced Basel II framework with stricter capital requirements and liquidity standards implemented post-2008 financial crisis.
RBI guidelines specify 80% as the maximum LTV ratio for housing loans to manage systemic risk.
FSDC, chaired by the Finance Minister, coordinates between RBI, SEBI, IRDA, and other financial regulators to ensure financial stability.
The Microfinance Institutions (Development and Regulation) Act, 2006 specifically regulates MFIs, focusing on transparency and consumer protection.
CASA (Current Account Saving Account) ratio measures the proportion of low-cost deposits, indicating deposit quality and profitability.
OMO involves buying and selling government securities to regulate liquidity and money supply in the banking system.
LAF allows banks to borrow through Repo (overnight) or Reverse Repo to manage short-term liquidity needs.
The RBI Governor's tenure is typically 6 years or until the age of 65 years, whichever is earlier.
The Nayak Committee (2013) examined shadow banking entities and recommended a regulatory framework for NBFCs engaged in banking activities.
MSF allows scheduled banks to borrow funds overnight from RBI at a penal rate against eligible securities when other liquidity sources are exhausted.